After a wave of criticism which fell at PKO BP in connection with the announced increases in fees and commissions, the bank decided to lower margins housing loans. The reduction, however, is symbolic and will include a small group of wealthy customers. Larger benefits of such a move may be government bank than the borrower.
“Open up to your own M from lower margin” – this is the motto of PKO Bank Polish launches new campaign mortgages. From Monday February 8 customers will be offered promotional pricing terms. At the expense of lower margin (0.1 percentage points), however, the bank wants to tie the customer other products. In addition to opening an account, it is suggested to use a credit card and insurance.
Not all customers will get better. Those who can not afford at least 20 percent. own contribution, will not be covered by the promotion. With credit for 300 thousand. zł be repaid over 30 years you must have the amount of at least 75 thousand. zł. The reduction in margin will also apply to applications for loans exceeding the amount of 400 thousand. zł.
Borrowers who meet the above criteria, PKO BP will reduce the margin by 0.1 percentage points. With the above-mentioned example of installment after the reduction may be less only about 17 zł. Throughout the term of the loan will save 6 thousand. zł, with nearly 180 thousand. zł total amount of interest.
PKO BP rehabilitates behind the increase in fees and commissions
Saving seems to be symbolic, but it does nevertheless a good impression. Especially in the context of increases in fees and commissions. The Bank announced that it plans to changes in tariff by 1 May. Some observers of the market resulted from the introduction of a banking tax and a desire to pass on to its customers, which really did not like the main owner of the bank, which the Treasury (a 29.43 per cent. Interest).
in #dziejesienazywo Virtual Polish finance Minister Paul Szałamacha he said that in the event of increases in fees and charges by other banks, PKO BP will encourage customers a better offer. Since then, price lists, among others, have changed mBank and Pekao, ING, Citi, Deutsche Bank, Raiffeisen. The punch line to the words of the minister Szałamacha wrote PKO BP, which in terms of prices is not competitive with other players. He not invited, however – as wished minister – clients of foreign competition to each other. Only … I picked up the charges.
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the current reduction margin housing loans may be an attempt to admit the error and save the positions by the bank. On February 25 was in fact convened Extraordinary General Meeting of PKO BP, in which the Treasury Minister Dawid Jackiewicz announced the changes.
Pressure from the government
– How to communicate with the authorities of the bank leaves a lot to be desired and it is our concern that there has been such negligence. We believe that the justification for this type increases for such changes in the table of margins and fees, must be previously communicated to the public, customers may also shareholders. And because of this we draw the appropriate conclusions in the near future will be the General Assembly Shareholders will be changes in the supervisory board – one that may be greater sensitivity on the part of the supervisory board decisions board – announced a week ago the minister Jackiewicz.
inquired by journalists whether it is possible to change the on the board of PKO BP, said that the question to the supervisory board. – She has to assess how the authorities cope companies with the principles spiked in front of them. If you come to the conclusion that the authorities can not handle, then it will have the right to decide about the change – the minister said.
On Tuesday, thanks to cost-shifting tax banking customers will take a special commission Sejm, which are to appear representatives of the banks. Not only PKO BP. According to the government, the banks can not now raise fees and commissions – prohibited by law.
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